Chicago, IL · Cert 20624 · Byline Bcorp Inc.
State charter, non-member · FDIC · 48 branches
Q2 2026
Market Position · Chicago-Naperville-Elgin, IL-IN · 2026 SOD (annual) · 1.2% share · #14 of 147 inst. · $7.8B of $630.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.41% | 1.39% | 1.29% | 1.33% | 1.45% | 1.47% | 1.64% | 1.69% | +35 bps | |
| Return on Equity | 11.47% | 11.28% | 10.16% | 10.36% | 11.15% | 11.13% | 11.75% | 12.03% | +167 bps | |
| Net Interest Margin | 3.85% | 3.95% | 4.00% | 3.98% | 4.08% | 4.17% | 4.25% | 4.22% | +24 bps | |
| Efficiency Ratio | 49.99% | 50.50% | 52.22% | 51.39% | 50.18% | 49.77% | 47.48% | 46.56% | -483 bps | |
| Non-Interest Burden | 1.64% | 1.69% | 1.80% | 1.76% | 1.75% | 1.77% | 1.74% | 1.66% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.33% | 6.85% | 1.80% | 0.85% | 4.07% | 1.61% | 3.35% | 2.15% | +130 bps | |
| Loan Growth (YoY) | 4.21% | 3.10% | 3.61% | 6.51% | 8.14% | 8.87% | 6.21% | 2.86% | -365 bps | |
| Deposit Growth (YoY) | 7.68% | 3.87% | 2.79% | 6.33% | 5.48% | 2.56% | 3.29% | 0.78% | -555 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.02% | 0.90% | 0.76% | 0.92% | 0.85% | 0.95% | 0.90% | 0.93% | +1 bps | |
| Net Charge-Offs / Loans | 0.47% | 0.46% | 0.38% | 0.39% | 0.38% | 0.37% | 0.32% | 0.27% | -11 bps | |
| Allowance / Loans | 1.43% | 1.42% | 1.42% | 1.46% | 1.42% | 1.45% | 1.45% | 1.48% | +1 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.9x | 1.6x | 1.7x | 1.5x | 1.6x | 1.6x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 11.92% | 12.10% | 12.00% | 12.22% | 12.56% | 12.72% | 12.88% | +87 bps | |
| Total Risk-Based Capital | 13.82% | 14.07% | 14.15% | 14.15% | 14.35% | 14.57% | 14.86% | 15.25% | +111 bps | |
| Equity / Assets | 12.80% | 12.57% | 12.82% | 13.24% | 13.51% | 14.06% | 13.89% | 14.08% | +85 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.59% | 92.19% | 92.91% | 93.76% | 93.90% | 97.85% | 95.54% | 95.69% | +193 bps | |
| Liquid Assets / Assets | 4.00% | 5.33% | 3.64% | 1.48% | 1.93% | 0.92% | 1.38% | 1.17% | -30 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 295% | 292% | 278% | n/a | n/a | |